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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $144,654 | $92,684+56.1% | $82,706+74.9% | $134,509+7.5% |
| Participation rate | 44.4% | 75.2%-30.8pp | 72.6%-28.1pp | 81.2%-36.8pp |
| Annual return | -19.15% | 945.84%-965.0pp | 701.76%-720.9pp | 418.13%-437.3pp |
| Employer contribution / active EE | $974 | $3,272-70.2% | $3,007-67.6% | $4,741-79.4% |
| Participant deferral / active EE | $2,102 | $4,800-56.2% | $4,394-52.2% | $6,400-67.2% |
| Admin fee / account holder | $2,477 | $5,982-58.6% | $5,329-53.5% | $11,427-78.3% |